C-

San Mateo, FL

Source:

Affordability Score: 52/100

Population: 1,713 · 1 ZIP codes

The affordability dashboard for San Mateo, FL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 1,713 residents, then layers in county-level federal data to produce an overall grade of C- (52/100). The headline inputs are median household income of $51,982, median home value of $170,800, median rent of per month, and 35.3% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,155 per month (studio $874, 1BR $880, 3BR $1,452, 4BR $1,529). Department of Labor data lists infant center-based childcare at $8,167 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income. Unemployment currently reads 0.0% and poverty 11.3% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$51,982
Median household income
Education C+
35.3%
Bachelor's degree or higher
Housing C
3.3x
Home value $170,800 vs income
Commute N/A
N/A
Average commute time
Rent C+
$1,155/mo
2BR fair market rent (27% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$8,167/yr
Center-based infant care (16% of income)

Income & Employment

Median Income
$51,982
▼ 16% vs national
Per Capita Income
$51,716
Unemployment Rate
0.0%
Poverty Rate
11.3%

Housing

Median Home Value
$170,800
▼ 38% vs national
Median Rent
Owner Occupied
93.6%
2BR Fair Market Rent
$1,155/mo
▼ 4% vs national

Fair Market Rents by Bedroom

Studio
$874
1BR
$880
2BR
$1,155
3BR
$1,452
4BR
$1,529

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
35.3%
▲ 5 ppt vs national
High School+
77.3%
Median Age
57.3
Avg. Commute

Childcare Costs

Infant (Center)
$8,167/yr
16% of income
Toddler (Center)
$6,570/yr
Preschool (Center)
$5,720/yr
School-Age (Center)
$4,420/yr

What This Means

San Mateo, FL receives an overall affordability grade of C- (52/100), aggregated from 1 ZIP codes with a total population of 1,713. Challenges include income. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore San Mateo ZIP Codes
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What are common questions about this dashboard?

Is San Mateo, FL affordable?
San Mateo, FL receives an overall affordability grade of C- (52/100) based on Census, HUD, FBI, and DOL data. Median household income is $51,982. Median home value is $170,800.
What is the cost of living in San Mateo?
Key cost metrics: 2BR fair market rent $1,155/mo. Infant childcare $8,167/yr. Median home value $170,800.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →